Carly Tonkinson from IT Financial Services joins Michael McLaren for The Bottom Line.  ITFS is an independently owned, boutique financial planning and investment advisory firm. It is a testament to the stability we provide to our clients that the founding partners are all self-employed and have worked together for almost 20 years.

<div>Carly Tonkinson from IT Financial Services joins Michael McLaren for The Bottom Line.&nbsp;</div>
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<div>ITFS is an independently owned, boutique financial planning and investment advisory firm. It is a testament to the stability we provide to our clients that the founding partners are all self-employed and have worked together for almost 20 years.</div>

Join Phil O'Neil from midnight to 5.30am Tuesday to Friday.

<p>Join Phil O'Neil from midnight to 5.30am Tuesday to Friday.</p>